Advertiser Disclosure

 

Between Liberty Mutual vs. Geico, our top pick is Geico. The company offers better pricing and service for most customers. That said, Liberty Mutual is a great option for teens. 

In this review, we’ll compare Liberty Mutual vs. Geico side by side so you can make the best decision for auto insurance coverage. Each company made it into our list of the top 12 best car insurance companies in the industry. 

When you’re ready to start comparing car insurance quotes from providers available in your area, enter your zip code in our tool above.

 

In this review:

 


 

Liberty Mutual And Geico Highlights

We’re comparing Liberty Mutual vs. Geico in a head-to-head competition to see which provider has better coverage, prices, and more. Both companies have solid reputations in the insurance industry. Here’s a peek at our findings before we dive into the details.

 

Liberty Mutual

Geico

Overall Rating

4.0

4.5

Superlative

Best for Teens

Best Overall

Availability

50 states

50 states

Coverage

4.5

4.0

Cost

3.5

4.0

Customer Service

3.5

4.0

AM Best Financial Strength Rating

A

A++

J.D. Power Claims Satisfaction 

867/1,000

871/1,000

Mobile App Google Play Rating

4.6

4.8

 

Liberty Mutual and Geico also offer life, business, and home insurance policies in addition to auto coverage. That means policyholders can take advantage of discounts for bundling different policies.

 


 

Liberty Mutual Vs Geico: Coverage Options

When you’re looking for the best car insurance company, you want to review coverage to be sure the provider of your choice has the protection you need for ultimate peace of mind on the road.

Here's how Liberty Mutual and Geico stack up in terms of policy offerings:

 

Liberty Mutual

Geico  

Bodily Injury Liability (BI)

Property Damage Liability (PD)

Collision

Comprehensive Car Insurance

Personal Injury Protection (PIP)

Medical Payments (MedPay)

Uninsured/Underinsured Motorist (UM/UIM)

Roadside Assistance

Rental Car Reimbursement

Accident Forgiveness

Mechanical Breakdown Insurance (MBI)

 

Rideshare Insurance

 

Guaranteed Asset Protection (GAP) Insurance

 

Liberty Mutual Deductible Fund®

 

Teachers Car Insurance

 

Mexico Tourist Car Insurance

 

New Car Replacement

 

Better Car Replacement

 

Lifetime Repair Guarantee

 

Original Parts Replacement

 
 

When comparing Liberty Mutual vs. Geico head to head, Liberty Mutual is the clear winner for the number of policy options offered. Now let’s talk about which types of car insurance apply to you.

Standout Coverage From Liberty Mutua

  • Liberty Mutual Deductible Fund: With this add-on, you can lower and ultimately eliminate your collision or comprehensive deductible by $100 every year.
  • Teachers car insurance: If you’re employed full-time as a teacher or professor, this type of insurance comes at no additional cost to you. It includes protection from vandalism on school property, theft or damage of personal property, and collision coverage for when you’re driving on school business.
  • New car replacement: You can get help obtaining a new car if yours is totaled in an accident.

Standout Coverage From Geico

  • Mechanical breakdown insurance: This type of insurance is available to cars less than 15 months old with less than 15,000 miles. If you have MBI, your mechanical repairs will be covered, similar to a car warranty.
  • Rideshare insurance: This is beneficial for customers who drive for ridesharing services like Uber and Lyft. It protects you from having to pay for medical bills for your passengers after an accident, and you’ll get rental car reimbursement as well.

 


 

Liberty Mutual Vs Geico: Cost And Discounts

In our research, we found that Geico is more affordable than Liberty Mutual on average. To get a better idea of what your car insurance rates will look like at the end of the day, it’s a good idea to see which company has more discounts that apply to you.

 

Liberty Mutual

Geico

Multiple Vehicle

Multiple Policy

Good Student

Safe Driver

Vehicle Safety

Anti-Theft

Military

Emergency Deployment

 

Anti-Lock Brakes

 

Daytime Running Lights

 

New Car

 

Seat Belt Use

 

Defensive Driving

 

Federal Employee

 

Driver Training

Accident-Free

 

Student Away At School

 

Homeowner

 

Early Shopper

 

Alternative Energy

 

Violation-Free

 

Automatic Payment

 

Pay in Full

 

Online Purchase

 

Paperless Policy

 
 

Which selection of discounts is better for your situation?

When you compare Liberty Mutual vs. Geico at a glance, Liberty Mutual offers discounts for students who leave their vehicles at home when going off to college and discounts for policyholders who pay bills on time.

Geico has a great discount for emergency military deployment (up to 25 percent off) and discounts for a number of vehicle safety features like anti-lock brakes and seat belt use.

Usage-Based Savings: Liberty Mutual RightTrack® Vs Geico DriveEasy

Both auto insurance companies offer apps that track safe driving. Let’s see how the programs measure up:

Liberty Mutual RightTrack

Geico DriveEasy

Through the Liberty Mutual mobile app or plug-in device

Through the Geico mobile app

Guaranteed savings between 5 and 30 percent

Up to 20 percent off your auto insurance for signing up for the app

4.1 stars on Google Play

2.2 stars on Google Play

 

How To Get A Quote With Liberty Mutual Or Geico

To get a car insurance quote from Liberty Mutual or Geico, you can call an agent or go online. According to J.D. Power’s 2021 Insurance Shopping StudySM, Geico earned 869 out of 1,000 points and Liberty Mutual earned 872. 

For an easier quote process, use our free comparison tool below.

 

 


 

Liberty Mutual Vs Geico: Ratings And Reviews

When you’re looking for car insurance, it’s a good idea to check into a company’s industry ratings and customer reviews to see what you can expect. Both Liberty Mutual and Geico tend to perform well in these areas, but Geico comes out ahead.

 

Liberty Mutual

Geico

Better Business Bureau (BBB) Rating

A+

A+

AM Best Financial Strength Rating

A

A++

 

The BBB gives ratings based on business practices and transparency, while AM Best scores auto insurance providers based on how capable they are of paying out claims.

We also looked at customer satisfaction by U.S. region according to J.D. Power’s 2020 Auto Insurance StudySM. In every region but one, Geico received higher scores than Liberty Mutual based on a 1,000-point scale. The one region where it didn’t score higher was a tie between the companies.

Region

Liberty Mutual

Geico

California

786

828

Central

842

855

Florida

837

846

Mid-Atlantic

816

841

New England

813

841

New York

832

837

North Central

816

851

Northwest

817

834

Southeast

822

857

Southwest

816

834

Texas

837

846

 


 

Liberty Mutual Vs Geico Customer Reviews

Industry experts can tell us a lot about an auto insurance company, but so can customer reviews.

Satisfied Liberty Mutual customers are pleased with the company’s honest practices and helpful claims processing agents. Dissatisfied customers are upset with claims processing and poor customer service at call centers.

“[Liberty Mutual is] a very solid company. The people are very kind and considerate, and they treat you like a human being and not a policy.” 

-Debra S. via BBB

“I was involved in a car accident that was deemed 100 percent the other driver's fault (they reversed into me in a parking lot). Their insurer, Liberty Mutual, denied a diminished value claim for my vehicle, which had a perfect driving record before the incident, citing that the state of Massachusetts doesn't recognize inherent diminished value. This is nonsense for a third-party claim where the other driver is at fault…”

-Dorian S. via BBB

Positive Geico reviews focus on long-term customer satisfaction and friendly customer service. Negative customer reviews mention slow claims processing speeds and rude customer service representatives.

“I’ve been a customer of Geico for close to 20 years. My kids have had a few accidents, and they have been extremely professional. I have zero complaints about the claims they handled. Their service has been outstanding.”

-Kenneth A. via BBB

“Very poor company to deal with. Their client was 100 percent at fault in [an] auto accident, but they are only willing to pay 70 percent of damages to my vehicle… He was issued the ticket for [an] improper lane change causing an accident, but they don't want to accept full liability for [the] accident…”

-Matthew W. via BBB

 


 

Our Take On Liberty Mutual Vs Geico

In the end, both Liberty Mutual and Geico have their strengths and weaknesses for different customers, but Geico is generally a better choice than Liberty Mutual. That being said, Liberty Mutual is a great option for teens. 

Insurance Factor Liberty Mutual Vs. Geico
Coverage Liberty Mutual

Cost And Discounts

Geico

Quotes And Claims Processes

Geico

Ratings And Customer Reviews

Geico

Overall

Geico

 

What you pay depends on a variety of factors. Use our tool below to start comparing personalized auto insurance quotes.

 

 


 

Other Top Auto Insurance Companies

When you’re shopping for car insurance, it’s smart to get quotes from multiple companies to be sure you’re paying the best rates. In addition to Geico and Liberty Mutual, we recommend USAA and Progressive.

Why You Should Consider USAA

USAA Insurance logo

Our research found that USAA car insurance is the best choice for active or retired military members and their immediate family members. USAA members have access to standard coverage as well as roadside assistance, rental car reimbursement, and accident forgiveness.

USAA also has competitive discounts for members, including up to 20 percent off for parking your car on a military base. You can also get discounts for taking a defensive driving course, being a good student, getting a new car, or signing up your family. 

Learn more in our USAA auto insurance review.

Why You Should Consider Progressive

Progressive Insurance logo

In our Progressive auto insurance review, we named the company best for high-risk drivers, including drivers with a DUI on their record. Progressive has maintained a competitive edge with exclusive technology like the Name Your Price® shopping tool and the Snapshot® safe driving app.

Potential customers can use the Name Your Price tool to choose the price they want to pay and then get matched with Progressive policies that fit into that budget. Snapshot is Progressive’s safe driving program that monitors the habits that could qualify you for car insurance discounts.

 


 

Frequently Asked Questions

Is Liberty Mutual better than Geico?

Liberty Mutual insurance is better for teen drivers than Geico, but Geico is generally better than Liberty Mutual for most other drivers. Geico is also a better option for people with less-than-perfect driving history.

Is Liberty Mutual car insurance cheaper than Geico?

Liberty Mutual can be cheaper for good drivers and teens, but Geico auto insurance is generally cheaper in other situations, including having poor credit scores. Auto insurers customize pricing to your situation.

Are Geico and Liberty Mutual the same company?

Geico and Liberty Mutual are two separate companies. Geico uses Liberty Mutual to provide home insurance policies in some situations, but the two companies are not affiliated with one another.

Is Liberty Mutual insurance any good?

Yes, Liberty Mutual insurance is a good option for many people, and it can be a cheap one as well. We rate it best for teens and good drivers since it offers helpful ways to save like a good student discount and accident-free discount.

 

 

 

Methodology

In an effort to provide accurate and unbiased information to consumers, our expert review team collects data from dozens of auto insurance providers to formulate rankings of the best insurers. Companies receive a score in each of the following categories, as well as an overall weighted score out of 5.0 stars.

  • Industry Standing: Insurers with strong financial ratings and customer-first business practices receive the highest scores in this category.
  • Availability: We consider availability by state as well as exclusions for specific groups of drivers.
  • Coverage: This rating is based on types of insurance available, maximum coverage limits, and add-on policies.
  • Cost and Discounts: Our research team reviews sample quotes for a variety of drivers in every state. Companies with lower prices and many car insurance discount opportunities receive the best scores.
  • Customer Service: We comb through customer reviews and consumer feedback studies from experts like J.D. Power.
  • Technology: Auto insurers with mobile apps, advanced online services and telematics are more likely to meet consumer needs.

 

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